网商贷是指由阿里巴巴集团推出的在线贷款服务，它的出现改变了传统车贷的方式，对车贷市场产生了深远的影响。
网商贷的出现给传统车贷带来了很大的冲击。 traditional car loans are often made through traditional banks, which can be slow and expensive. With the advent of online car loans, customers can make a loan online and have it processed immediately, which has greatly reduced the time and cost of traditional car loans.
网商贷的利率也比传统车贷低很多。 With online car loans, customers can negotiate the interest rate with the lender online, which means that they can compare different interest rates and make an informed decision about the best deal. This has made online car loans more competitive and has helped to lower the interest rates on traditional car loans.
此外，网商贷的审批速度也比传统车贷快很多。 With online car loans, customers can make a loan application online and have it approved in a matter of minutes, which has greatly improved the speed of credit checks and loan approvals. This has helped to reduce the stress of having to make a loan decision in a timely manner.
总的来说，网商贷的出现对车贷市场产生了深远的影响。它给传统车贷带来了很大的冲击，提高了贷款的效率和竞争力，并且使传统车贷更加安全。但是，网商贷的出现也带来了一些挑战，例如利率的降低可能会导致一些客户无法承担更高的利息，这可能会导致一些负面的影响。因此，我们需要继续关注网商贷的利率和客户体验，以找到一个平衡点。
